Managing your business credit and financial health just got easier with SmartBiz Advisor™

Welcome to your Intelligent CFO™ for small business loans—a new and transparent online tool to help small businesses understand and build their credit and financial health so they can learn how to get low‑cost bank funding throughout their business journey.

A powerful business credit check-up with unique insights

SmartBiz Advisor helps you learn how banks typically evaluate your business and recommends ways to help you increase your credit and financial health so you have a better chance of accessing funding when you need it.

As the #1 online marketplace for SBA bank loans, we are uniquely situated to help you learn about what banks look at when evaluating the financial and credit health of a business.

Our proprietary Loan Ready Score™, built by analyzing thousands of small business financials with our intelligent platform, helps you learn how your business stacks up against SBA Loan requirements. The Loan Ready Score is for educational purposes and is not the same as scores used by lenders for credit decisions.

Get your Loan Ready Score ›

The Loan Ready Score is for educational purposes and is not the same as scores used by lenders for credit decisions.


Your business story is more than just a credit score

Just like a CFO in a large business, SmartBiz Advisor can help you learn how to build your business lending profile by educating you about factors banks consider. After all, your business is more than just a credit score.

We help you learn where you stand for each of the key areas banks use to evaluate your business, such as: debt coverage, debt usage, credit and business revenue trends.

Review your personalized ‘Loan Ready Score’ quickly and easily-- it’s a useful tool to help you assess your probability of approval for a low-cost SBA loan when you’re ready.

See where you stand ›

The Loan Ready Score is for educational purposes and is not the same as scores used by lenders for credit decisions.

Get control of your business credit profile

SmartBiz Advisor provides actionable insights and easy-to-use tools to help you effectively present your business when you are ready for low-cost funding through a bank.

SmartBiz Advisor provides personalized recommendations to help you strengthen your credit profile so you can get the terms that are a good fit for your business at the right time.

Our experienced team of Advisor Consultants is available to help you understand your recommendations and how you can get your business SBA loan ready.

Get personalized insights ›

The Loan Ready Score is for educational purposes and is not the same as scores used by lenders for credit decisions.

Find the right funding, now or in the future

SmartBiz Advisor helps make SBA loans more accessible by providing valuable insights throughout your business journey.

Our transparent Loan Ready Score gives you information about where you stand in obtaining an SBA loan, the gold standard in small business lending.

When you are ready and after you prequalify, our SmartBiz® marketplace matches you with one of our SBA preferred bank partners that is most likely to fund your business.

Start your journey ›

The Loan Ready Score is for educational purposes and is not the same as scores used by lenders for credit decisions.

SmartBiz Is Safe & Secure

We take your privacy seriously.
We use bank-level, 256-bit encryption to protect your personal data.
We don’t sell your information for marketing purposes.

How It Works


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1

Tell us about your business

Answer a few simple questions and upload your recent business tax return.

2
2

Get insights in seconds

Our intelligent tool analyzes your company's financials to create your Loan Ready Score and personalized insights in seconds.

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3

When you’re ready, apply for an SBA loan

After you pre-qualify, we will match you with the SBA preferred bank partner that is most likely to fund your business.


1

Tell us about your business

Answer a few simple questions and upload your recent business tax return.

2

Get insights in seconds

Our intelligent tool analyzes your company's financials to create your Loan Ready Score and personalized insights in seconds.

3

When you’re ready, apply for an SBA loan

After you pre-qualify, we will match you with the SBA preferred bank partner that is most likely to fund your business.


Our Customers Love SmartBiz

I love this! You are a Lending Coach. This is exactly what you are. And every small business guy wants a Lending Coach.
—Ken
It helped me see where I’m doing well. And in actuality, it helps me realize I’m leaning on the positive end of being SBA loan ready. I’m not that far off!
—Shannon
For me, the most important information is to know where to improve. Where I am, where I need to go, and how do I get there.
—Steve
What you need to know: SmartBiz Advisor is an educational tool to help you learn about how lenders may view your business. As such, you should not rely on this as the primary source of your business or personal financial decisions SmartBiz Advisor is not a financial or legal advisor as defined under federal or state law. The Loan Ready Score is for educational purposes and is not the same as scores used by lenders for credit decision.
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